Account Options

Bank of Ann Arbor offers a wide variety of checking accounts designed to meet individual needs. Whether you are looking for a basic account, or one with plenty of features, there's one to meet your requirements.

No maintenance fee if you maintain either a $600 minimum balance or a $1,200 average collected balance during the month or $5,000 in savings or $10,000 in certificates of deposit with us. Otherwise, a $9 maintenance fee is charged for that month.

It's a checking account for people on the move. Zip Checking is a quick, convenient and paperless alternative to ordinary checking accounts.

A $100 deposit opens your account.

No maintenance fee with a monthly direct deposit or for young adults (18-22 years old) related to a current Bank of Ann Arbor account holder. A monthly maintenance fee of $9 will be imposed if there is no direct deposit.

Smart One is a high interest-earning checking account for customers who prefer to keep a significant amount of funds available. It combines traditional transaction handling like a checking account with the higher earnings of a money market savings.

$10,000 deposit to open.

No maintenance fee with a $1,000 minimum daily balance. (A $9 maintenance fee is charged for the month if the minimum balance is not maintained daily.)

Interest is paid on a tiered rate structure. Interest rate and annual percentage yield may change.

Statements are delivered electronically or by mail.

Free specially designed Smart One checks, in your choice of wallet or duplicate style.

If you like to receive images of your paid checks in your statement, Image Checking is for you.

A $500 deposit opens your account.

No maintenance fee if you maintain either an $800 minimum balance or $1,600 average collected balance during the month or $5,000 in savings or $10,000 in certificates of deposit with us. Otherwise, a $12 maintenance fee is charged for that month.

No interest paid for Image Checking.

Statements delivered electronically or by mail.

Important information

You may be charged a fee if you use a non-Bank of Ann Arbor ATM.
Fees may be charged for overdrafts.